topic Re: Don't Apply For That New Card! Ask for a CrossGrade! in Credit Cards

Don't Apply For That New Card! Ask for a CrossGrade!

jmila1901 — Wed, 04 Jul 2012 17:47:50 GMT

So I recently had an issue where the university I attend stopped accepting VISA and my school card was a visa and wasnt willing to put the charges on my other cards. I called BofA, told them what was going on and they gave me a cross grade to a World Points MasterCard! Its got decent rewards, they dropped my interest rate to 11% and bumped my line of credit just because. Its also a really nice looking card!

http://promotions.bankofamerica.com/ccsearchlp5/assets/card_mc_worldpoints.png

Just wondering if you guys had any tips and tricks when doing this. I currently have a BankAmericard Visa 321 as my primary and the Bank Of America World MasterCard as my School card. I dont like having more than 1 card from each company (only 1 visa, mc, discover)... I want to get a card from chase but its a visa and would like to convert my BankAmericard to an Amex... Think thats possible?

Re: Don't Apply For That New Card! Ask for a CrossGrade!

BCF — Wed, 04 Jul 2012 18:04:21 GMT

I did the same thing with student card back in 2010. I asked for a MasterCard and they gave me the worldpoints, but the color was different from yours. Just be aware that the points are not equal to 1 cent. I recently convert that to a mastercard version of 1-2-3 card. you can do the same if you like cash back more than points

Re: Don't Apply For That New Card! Ask for a CrossGrade!

Creditaddict — Wed, 04 Jul 2012 18:07:02 GMT

jmila1901 wrote:
So I recently had an issue where the university I attend stopped accepting VISA and my school card was a visa and wasnt willing to put the charges on my other cards. I called BofA, told them what was going on and they gave me a cross grade to a World Points MasterCard! Its got decent rewards, they dropped my interest rate to 11% and bumped my line of credit just because. Its also a really nice looking card!

http://promotions.bankofamerica.com/ccsearchlp5/assets/card_mc_worldpoints.png

Just wondering if you guys had any tips and tricks when doing this. I currently have a BankAmericard Visa 321 as my primary and the Bank Of America World MasterCard as my School card. I dont like having more than 1 card from each company (only 1 visa, mc, discover)... I want to get a card from chase but its a visa and would like to convert my BankAmericard to an Amex... Think thats possible?

I don't see why Bank of America wouldn't PC to an Amex but possibly 60 days after last PC like Amex (real American Express) does.

But I would care more about rewards then only having 1 Visa, 1 MC, 1 Discover, 1 Amex... I see 1 card per bank but why Amex with BofA just because you want a Chase Card but it's Visa?

Re: Don't Apply For That New Card! Ask for a CrossGrade!

kevinjjc — Wed, 04 Jul 2012 18:18:52 GMT

Which Chase credit card are you interested in? The Chase Freedom? They do offer it as a Mastercard. Try searching for it on Mastercard's website.

Re: Don't Apply For That New Card! Ask for a CrossGrade!

webhopper — Wed, 04 Jul 2012 19:17:47 GMT

My mom has chase freedom world mc and my dad has chase freedom visa sig. Ive seen both cards so I definately agree that you can ask for either version of the freedom.

Re: Don't Apply For That New Card! Ask for a CrossGrade!

jsickz32 — Thu, 05 Jul 2012 07:08:20 GMT

how come i cant find that card in bofa website? im thinking about changing my student plat plus to something else.